The General After a Utah DUI
You were arrested for DUI in Utah and your license is suspended. The Driver License Division sent notice that reinstatement requires an SR-22 certificate filed by an insurer licensed in the state. You searched for carriers willing to write high-risk policies and found The General—a non-standard auto insurer that explicitly writes SR-22 coverage for post-DUI drivers. Now you need to understand what filing through The General actually costs in Utah and whether their process aligns with the DLD's electronic verification requirements.
The General operates in Utah's non-standard insurance tier, which means they specialize in drivers standard carriers reject. Their SR-22 filing integrates directly with the Utah Driver License Division's electronic verification system. The cost structure reflects Utah's 0.05% BAC threshold—the lowest DUI limit in the nation—which triggers more frequent DUI arrests and corresponding SR-22 volume than other states. Understanding The General's Utah-specific pricing and filing mechanics before you purchase prevents procedural surprises during the three-year SR-22 compliance period the state mandates.
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Get Your Free QuoteThe General Utah DUI Premium
$140–$210/mo
Monthly liability premium range for a first-offense DUI driver purchasing Utah's 25/65/15 minimum coverage through The General. Add $25 one-time SR-22 filing fee. Rates assume clean prior history; second DUI or additional violations push premiums higher.
Industry estimates for non-standard tier Utah SR-22 policies, 2025
What The General's SR-22 Filing Actually Does
The SR-22 is not insurance. It is a certificate your insurer files electronically with the Utah Driver License Division proving you carry at least the state's minimum liability coverage: $25,000 bodily injury per person, $65,000 bodily injury per accident, and $15,000 property damage. Utah also requires $3,000 in personal injury protection coverage as a no-fault state, and The General's policies include this automatically. When you purchase a policy through The General and request SR-22 filing, they transmit the certificate to the DLD within 24 hours. The DLD's electronic verification system updates your driving record to show active SR-22 compliance.
The General charges a $25 one-time SR-22 filing fee at purchase. This fee is separate from your premium and covers the administrative cost of transmitting the certificate to the state. The filing remains active as long as your policy stays in force and you maintain continuous coverage. If you cancel the policy, miss a payment, or let coverage lapse, The General is legally required to notify the DLD electronically within 10 days. The DLD then re-suspends your license immediately and you must start the SR-22 filing period over from day one.
Utah's SR-22 requirement for DUI convictions lasts three years from the conviction date, not the filing date. This distinction matters: if your conviction occurred six months before you purchased insurance and filed SR-22, you still owe the state three years of continuous filing measured from the conviction. The General's system tracks your filing start date but does not independently calculate your state-mandated end date—you must verify the required duration with the DLD to avoid dropping coverage prematurely and triggering re-suspension.
The General notifies the DLD within 10 days if your policy lapses. The state re-suspends your license immediately and you restart the three-year SR-22 period from zero.
The General's Non-Standard Tier Pricing in Utah
Non-standard carriers assess higher base premiums because they accept drivers standard carriers classify as high-risk: DUI convictions, suspended licenses, multiple at-fault accidents, or lapses in prior coverage. The General's Utah pricing reflects this risk pool. A first-offense DUI driver purchasing minimum liability coverage with SR-22 filing typically pays $140–$210 per month. This range assumes no additional violations on your record. A second DUI, reckless driving conviction, or at-fault accident in the prior three years pushes your premium toward the upper end of the range or higher. Drivers under 25 or over 70 face additional age-based surcharges that can add $30–$60 per month to the base rate.
The General offers online quoting through their website, which means you receive an instant estimate without speaking to an agent. This self-service model reduces administrative overhead and keeps premiums slightly lower than broker-dependent non-standard carriers like Bristol West or National General. However, The General does not offer the same discount structures standard carriers provide—good driver discounts, bundling discounts, and telematics programs are either unavailable or minimal in the non-standard tier. Your premium is primarily a function of your violation history, age, vehicle type, and the coverage limits you select. Utah's mandatory personal injury protection coverage adds approximately $15–$25 per month to your total premium regardless of carrier.
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Filing Process and DLD Electronic Verification
When you purchase a policy through The General and request SR-22 filing, their system generates the certificate and transmits it electronically to the Utah Driver License Division within 24 hours. The DLD's verification system receives the filing, matches it to your driver's license number, and updates your record to show active SR-22 compliance. This electronic process eliminates the paper SR-22 certificates older systems required—you do not receive a physical document to carry in your vehicle. The DLD's internal database serves as the authoritative record of your filing status.
The General provides a confirmation email once they transmit the SR-22 to the state. This email includes your policy number, filing date, and the DLD contact information for verification. You should wait 48–72 hours after receiving this confirmation, then contact the DLD directly at 801-965-4437 to verify the filing appears on your driving record. Occasionally the electronic transmission encounters a mismatch—incorrect driver's license number, outdated address on file, or a name discrepancy between your insurance application and your DLD record—that delays processing. Catching these errors within the first week allows you to correct them before your reinstatement hearing or court date.
Utah requires you to maintain SR-22 filing for three years after your DUI conviction. The General does not automatically cancel your SR-22 at the end of this period—you must contact them to request cancellation once the state's required duration ends. Verify your end date with the DLD before you cancel. Dropping SR-22 coverage even one day early triggers immediate license re-suspension and you restart the three-year clock. The General's customer service line is available to process SR-22 cancellations, but they require explicit written or verbal confirmation from you—they will not cancel based solely on elapsed time since your conviction.
Utah DUI SR-22 Duration
3 years
Measured from conviction date, not filing date. The General maintains your SR-22 filing as long as your policy remains active, but you must track your state-mandated end date separately. Canceling coverage before the three-year period ends re-suspends your license immediately.
Utah Code Ann. § 41-12a-303.5
Non-Owner SR-22 for Drivers Without Vehicles
If you do not own a vehicle but need SR-22 filing to satisfy the DLD's reinstatement requirements, The General writes non-owner SR-22 policies. A non-owner policy provides liability coverage when you drive a borrowed or rental vehicle but does not cover a car you own or lease. The premium for non-owner SR-22 coverage through The General typically runs $60–$110 per month in Utah—lower than standard owner policies because the insurer assumes you drive less frequently and the risk pool is smaller.
Non-owner policies meet Utah's SR-22 filing requirement as long as they carry the state's minimum liability limits. The DLD does not distinguish between owner and non-owner SR-22 filings—both satisfy the financial responsibility mandate. If you later purchase a vehicle during the SR-22 compliance period, you must convert your non-owner policy to a standard owner policy and notify The General immediately. Driving a vehicle you own while covered only by a non-owner policy voids your coverage and exposes you to uninsured driving charges if you are stopped or involved in an accident. The General allows mid-term policy conversions but charges a prorated adjustment to bring your premium in line with the higher owner-policy rate.
Compare Carriers Before You Commit
The General is one of multiple carriers writing SR-22 policies for Utah DUI drivers. Other non-standard insurers operating in Utah include Bristol West, Dairyland, GAINSCO, and National General. Standard carriers like Progressive, Geico, and State Farm also write SR-22 policies but typically charge higher premiums for DUI drivers than non-standard specialists. Rate differences between carriers can exceed $40–$60 per month for identical coverage limits, which compounds to $480–$720 per year over the three-year SR-22 period.
Request quotes from at least three carriers before purchasing. The General's online quoting process takes under 10 minutes and provides an instant estimate. Compare the monthly premium, SR-22 filing fee, payment plan options, and any mid-term cancellation penalties each carrier imposes. Some non-standard insurers require six-month policy terms paid in full upfront, while others offer monthly payment plans with a $5–$10 installment fee. The General offers monthly billing with automatic withdrawal, which reduces the risk of missed payments that trigger SR-22 lapse and license re-suspension. Verify each carrier files SR-22 electronically with the Utah DLD—a small number of regional insurers still use paper filing, which delays processing by 7–10 business days and increases the chance of clerical errors that stall your reinstatement.